At a time when financial planning is increasingly important, choosing the right way to save becomes essential. For those seeking security, clarity and flexibility, there are numerous alternatives that adapt to lifestyle and personal goals, all built on the principle of transparency and simplified management. Below you will find a summary of the main deposit typologies offered by Intesa Sanpaolo Bank Albania, structured to offer different savings opportunities, without mentioning interest rates, but ensuring that the benefits are competitive and clear from the start.
3-year deposit in EUR and USD
The 3-year deposit in EUR and USD is an option that suits those who want to invest in the medium term, but with the assurance of annual benefits. The interest rate starts in the first year and then gradually decreases, rewarding those who keep their deposits for the entire period.
Standard term deposits
Standard Term Deposit is a traditional form of savings for those seeking clarity and stability. The interest rate remains unchanged throughout the maturity period, while the deposit can be terminated early if the need arises, offering a balance between flexible access and secure earnings.
10&15 month deposits in dollars (USD)
The 10 & 15 month USD deposit is a suitable choice for those who wish to save in dollars for a short period, while maintaining the security of capital and benefiting from a fixed term. This product allows you the flexibility to plan upcoming projects or expenses, knowing exactly when the funds will be available again.
Standard 5-Year Term Deposit
The ideal choice for those who want long-term stability and predictable management. With regular benefits automatically credited each year and clear terms, this deposit is suitable for those seeking financial peace of mind and preservation of the value of savings over time.
Progressive Deposits: 5 and 7 years
These deposits are designed for those who plan for the future and want their savings to
grow over the years. The interest increases progressively from year to year and can be capitalized, making
the benefit even more significant. All this with clear conditions and no penalties for
early withdrawals.
Medium-term deposits – 18 & 30 months
A choice for savers who prefer more flexible time plans but don't want to
compromise on profitability. These deposits offer the ideal balance between moderate maturity and
easy access to your funds if your situation changes.
Prepaid interest deposits
A solution that suits those who want immediate profit. Interest is paid from the moment
the deposit is opened, giving you quick access to a portion of your profit and all without
commissions or hidden costs.
Relay Deposit
A way to earn interest every month and have it reinvested automatically, giving your savings
steady growth. This deposit is suitable for those who prefer a regular stream
of benefits, without losing focus on long-term goals.
Why do these deposits make a difference?
• Full transparency: Every product comes with clear terms from the start. No hidden clauses,
no surprises.
• Flexibility: Choices for every need, from the shortest terms to long-term strategies.
• Legal security: All deposits are protected by the Deposit Insurance Agency.
• Digital management: Through the online banking application, you can open and control any
deposit from anywhere and at any time.
Which deposit best suits your needs?
Your need The most suitable solution
Long-term stability and clarity 5-year Standard Deposit
Gradual increase in savings over time Progressive Deposits 5 or 7 years
Medium term with liquidation flexibility 18 or 30 month deposits
Need for immediate benefit Deposits with prepaid interest
Regular monthly payments and reinvestment Relay Deposits
Preservation of value and safe savings in EUR&USD 3-year deposits in EUR&USD
Security and clarity without interest rate changes Standard Term Deposits
Savings in USD in a short period 10 & 15 month deposits in USD
Savings that work for you
It doesn't matter if you are saving for a trip, a personal project, your children's education or simply for security - today is the first day towards a more financially secure tomorrow. At Intesa Sanpaolo Bank Albania, your customer relationship manager will provide you with financial advice to choose the most suitable savings product for you. Choose the deposit that best suits your lifestyle, and make a difference now.
